Ah the winter holidays! The lights, the eggnog, the goodwill and cheer. Oh, and the debt.
We here at HowStuffWorks partnered with the United Way and the Sun Trust Foundation to provide a few tips to help you avoid a holiday spending hangover.

The IRS says you're legally obligated to pay income tax on eBay profits, especially if you're a regular seller. But eBay doesn't issue 1099 forms or define "regular seller." So it can be difficult to figure out what to do — but we're here to help.